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Retirement age calculator · New Zealand

The earliest age you can claim a pension, the age for a full pension, and what each one pays. Change your age in the calculator below.

Full pension at 65, in 2056
No earlier claim with a cut

About NZ$5,017 net a month at 65, in today’s money. Assumes you started work at 22; change it in the calculator below.

What each age pays ↓
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        Retirement age in New Zealand: when you can claim your pension

        When you can retire depends on your year of birth and how many years you have been insured. The calculator above shows the earliest age and the age for a full pension, and what each age would pay.

        Earliest and full pension, by year of birth

        Born inEarliest pensionFull pension
        1965–age 65, in 2030
        1970–age 65, in 2035
        1975–age 65, in 2040
        1980–age 65, in 2045
        1985–age 65, in 2050
        1991–age 65, in 2056
        1995–age 65, in 2060
        2000–age 65, in 2065

        Assumes work from age 22 without gaps.

        Example: born in 1991, what each age pays

        Claim at ageYearChangeNet a month
        652056full pensionNZ$5,017
        662057full pensionNZ$5,104
        672058full pensionNZ$5,199
        682059full pensionNZ$5,304
        692060full pensionNZ$5,420
        702061full pensionNZ$5,549

        Career from age 22 with the calculator’s example pay; amounts in today’s money.

        Frequently asked questions

        When can I retire in New Zealand?
        At 65 if you were born in 1991.

        Rules and official sources: see “Rules applied (2026)” in the calculator. Last checked: October 2026. Estimates for information, not financial advice.

        Other questions about pay in New Zealand: What is my hourly wage? · What is the minimum wage after tax? · What do I take home part-time? · How much unemployment benefit would I get? · What is my money worth after inflation?

        All questions about pay in New Zealand →

        Related calculators

        The same calculator for Australia · United Kingdom · Japan

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